Asian Journal- The Filipino-American Community Newspaper

ARE you currently overwhelmed with debt problems that you can no longer handle on your own? Thinking about filing for bankruptcy but are afraid to make a decision? Do you feel stuck and paralyzed in your situation, unable to take any action? Maybe just thinking about your situation gives you this sick feeling in your stomach that won’t go away. Is there a way out of your seemingly hopeless situation?

A famous author said: "It is in those moments of decision that our destiny is shaped". I think what this means is that the decisions we make in life are so powerful and regardless of whether you realize it or not, you are constantly creating results in your life, good or bad, at every single moment. You are the creator of your destiny.

The path you take, whether right or wrong will take you to a certain destination. Have you ever gotten lost while driving on the road or freeway and realized that you were headed in the wrong direction? What did you do? Did you just continue driving even though you knew you were going the wrong way? Of course not! Without doing a complete turnaround, you wouldn’t have reached your intended destination. The same is true in life. You will never get to where you want to be unless you are on the right path. Which way are you going right now?

Filing for bankruptcy when you are in debt may seem like a drastic step but when appropriate for your situation, it may be just what you need to do a complete turnaround and get back on track. If your debt problems are making you very insecure about your financial future, the fresh financial start provided by our bankruptcy laws can put you on the road to financial recovery so that you can start building wealth again instead of accumulating debts.

The decision to be wealthy or to be poor is a personal decision. Don’t ever be misled into thinking that some people are destined to be rich while others are destined to be poor. This is a big lie. If everything in life has been pre-arranged, life here on earth would be pointless. You are here to make choices and to decide the kind of life that you want to have. Your choices can make or break you.

If your life is out of control, only you can regain control of your circumstances by exercising your power of decision. No one can do this for you. As a bankruptcy attorney, I tell my clients that my job is to help them understand their options but ultimately, they are responsible for the decisions that they make. The people who understand this are the ones who come out of bankruptcy successfully over a very short period of time. Before long, they move on to bigger and better things in life. They understand the power of decision.

The refusal to decide is also a decision in itself. By refusing to decide what kind of life you want to have, you have made the decision to leave everything to chance and be a victim of circumstances. Don’t let this happen to you. There is power in decision-making. If you are burdened with financial problems, find out what options you have available and decide once and for all to get out of debt as soon as possible. If you can get out of debt without filing for Bankruptcy, decide on what strategy to use to accomplish your objective. If Bankruptcy is your only solution, however, perhaps you also need to decide that this is what you must do to change your life for the better. Seek legal help as soon as possible.

If you are unsure if Bankruptcy is the solution to your financial problems, we can help you evaluate your options. To schedule a free confidential consultation, please call Toll-Free 1-866-477-7772. We have offices located in Glendale, Cerritos and West Covina.

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None of the information herein is intended to give legal advice for any specific situation. Atty. Ray Bulaon has successfully helped over 4,000 clients in getting out of debt. For a free attorney evaluation of your situation, please call Ray Bulaon Law Offices at TOLL FREE 1-866-477-7772.

( www.asianjournal.com )

( Published on June 24, 2009 in Asian Journal Los Angeles p. B2 )